2774 E Sandra Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2774 E Sandra Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,544 sqft · built 1957
Lot Size	0.307 acres (13,373 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Feb 2020)
Tax Bill	$4,254 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-6820-0023-00-4`

Property Details

APN / Parcel Number

Primary APN	`18-6820-0023-00-4`
Alternative APN	`11-18-6820-0023-00-4`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,544 sqft Living Area
1st Floor Area	1,544 sqft
Basement Area	1,544 sqft
Unfinished Basement	1,544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Raised Ranch
Lot Area	13,373 sqft (0.307 acres)
Lot Dimensions	107 ft deep x 125 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2774 E SANDRA TER
City	SAINT JOSEPH
State	MI
Zip	49085-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 23 REIMERS SUBDIVISION
Legal Subdivision	REIMERS SUB
Legal Lot Number	23
Legal Unit	23
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2013
Census Tract	1100

Owner

Source: Berrien County records, as of June 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit HONOR CU
Aug 23, 2021	Intrafamily Transfer, Transfer
Feb 24, 2020	Administrator's Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 3, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Feb 24, 2020 · Amount on Record
Deed Book / Page	3265 / 3473
Last Transfer Date	Aug 23, 2021
Transfer Doc	003341/179
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102

Mortgage

Document Number	03387/1577
Date	Sep 30, 2022
Book Page	3387/1577
Instrument	2022363693

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 12, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 23, 2021
Property Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102
Document Number	003341/179
Book / Page	3341 / 179
Map Reference	LB 14 PG 47
Instrument Date	Aug 23, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102

February 2020: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 24, 2020
Property Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102
Document Number	03265/3473
Book / Page	3265 / 3473
Map Reference	LB 14 PG 47
Instrument Date	Feb 21, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,021.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3907 TAMARACK TER, COLOMA, MI 49038-9472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102

Mortgage

Document Number	0032653475
Date	Feb 24, 2020
Instrument	3265/3475

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jul 3, 2017
Property Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102
Document Number	03176/2015
Book / Page	3176 / 2015
Map Reference	LB14 PG47
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2774 E SANDRA TER, SAINT JOSEPH, MI 49085-3102

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$175,800 (+2.63%)	$351,600 (+2.63%)
2025	$4,254.00 (+2.95%) Homeowner's exemption	$171,300 (+17.65%)	$342,600 (+17.65%)
2024	$4,132.00 (+10.13%)
2023		$145,600	$291,200
2022	$3,752.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

Nearby Properties on E Sandra Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures